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PT Bank Neo Commerce Tbk (BBYB.JK)
IDR232.00
+8.00 (+3.57%)
ID JKT Financial Services Banks - Regional
Address
Treasury Tower 12190
Jakarta Selatan, ID
Jakarta Selatan, ID
CEO
Eri Budiono
Website
yudhabhakti.co.id
IPO
2015-01-13
ISIN ID1000133408
Description
PT Bank Neo Commerce Tbk is an Indonesian financial institution that offers a comprehensive range of commercial banking products and services. Its offerings include various checking and savings accounts, deposit options, credit facilities, and other financial services. As of December 31, 2021, the company maintained a presence in Jakarta with one principal branch, eleven standard branch offices, and five sub-branch locations. Established in 1989, the bank was formerly known as PT Bank Yudha Bhakti Tbk before officially changing its name to PT Bank Neo Commerce in September 2020. Its headquarters are situated in Jakarta, Indonesia.
Market Cap & Enterprise Value
Merger & Acquisition History
No mergers or acquisitions recorded for this company.
Technical Outlook
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Signal Summary
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| Indicator | 1D | 1W | 2W | 3W | 1M |
|---|
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
IDR232.00
+8.00 (+3.57%)
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Volume Profile
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Liquidity & share structure
Average Volume
21M
Beta
0.57
Float Shares
6.61B
Free Float %
49.5%
Price Performance
| 1D | 5D | 1M | 3M | 6M | YTD | 1Y | 3Y | 5Y | 10Y | Max |
|---|---|---|---|---|---|---|---|---|---|---|
| -1.96% | -1.96% | -7.98% | -20.21% | -21.05% | -37.50% | +14.50% | -50.00% | -30.16% | +112.77% | +64.10% |
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
From
To
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Annual Monthly Returns
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Daily Returns Distribution
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Revenue flow
Revenue by geography
Revenue by segment
From
To
Revenue composition
From
To
By product
By geography
Financial Statements
Select metrics from the tables below to build your comparison.
Income Statement
Balance Sheet
Cash Flow Statement
Key Metrics
Financial Ratios
Employees
Financial Growth (CAGR)
Market Data
Price Targets & DCF
Current price
232.00
DCF (Levered)
902.57
+289.0%
DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.
Ratings Trend (MoM)
80% Bullish
| Rating | 2026-05 | Change |
|---|---|---|
| Strong Buy | 0 | 0 |
| Buy | 4 | 0 |
| Hold | 1 | -1 |
| Sell | 0 | 0 |
| Strong Sell | 0 | 0 |
Quality scores
Altman Z-Score
0.46
Distress
Piotroski F-Score
5 / 9
Average
Composite Rating
A+
Overall Score
4 / 5
High
DCF Score
5 / 5
High
ROE Score
4 / 5
High
ROA Score
5 / 5
High
D/E Score
3 / 5
Medium
P/E Score
4 / 5
High
P/Book Score
3 / 5
Medium
Operational MOAT
-
Revenue growth-15.4% Q1'26: -7.6% (vs Q1'25)
-
EPS growth+2,581.7% Q1'26: -19.3% (vs Q1'25)
-
FCF margin— Q1'26: +47.2% (vs Q1'25)
-
EBIT margin— Q1'26: +17.4% (vs Q1'25)
-
ROIC— Q1'26: +21.2% (vs Q1'25)
-
Share dilution+6.1% Q1'26: +6.1% (vs Q1'25)
-
Debt / EBITDA— Q1'26: 0.43× (vs Q1'25)
Valuation Multiples
From
To
Price Forecast (3Y)
From
To
Theoretical Return — If Invested Today
* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.
Consensus Estimates
| Metric |
Dec 2021 actual |
Dec 2022 actual |
Dec 2023 actual |
Dec 2024 actual |
Dec 2025 actual |
Dec 2026 3 Rev. Ana. 1 EPS Ana. |
Dec 2027 3 Rev. Ana. 2 EPS Ana. |
Dec 2028 2 Rev. Ana. 1 EPS Ana. |
Dec 2029 1 Rev. Ana. 1 EPS Ana. |
Dec 2030 1 Rev. Ana. 1 EPS Ana. |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue |
791.48B
est: 420.28B (+88.3%)
|
2.49T
est: 1.98T (+25.8%)
|
4.18T
est: 1.03T (+304.5%)
|
3.88T
est: 3.33T (+16.4%)
|
3.28T
est: 2.75T (+19.4%)
|
3.03T
2.98T – 3.13T
+10.4% YoY
|
3.40T
3.20T – 3.50T
+12.1% YoY
|
3.88T
3.84T – 3.92T
+14.2% YoY
|
11.34T
10.90T – 11.69T
+192.2% YoY
|
15.46T
14.86T – 15.94T
+36.3% YoY
|
| EBITDA |
-949.25B
est: -109.23B (-769.0%)
|
-728.88B
est: -514.10B (-41.8%)
|
-510.20B
est: -248.29B (-105.5%)
|
92.15B
est: -800.52B (+111.5%)
|
622.22B
est: -659.93B (+194.3%)
|
-728.42B
-752.17B – -715.69B
-10.4% YoY
|
-816.38B
-840.75B – -769.37B
-12.1% YoY
|
-932.22B
-941.59B – -922.85B
-14.2% YoY
|
-2.72T
-2.81T – -2.62T
-192.2% YoY
|
-3.71T
-3.83T – -3.57T
-36.3% YoY
|
| EBIT |
-990.42B
est: -119.18B (-731.0%)
|
-785.94B
est: -560.93B (-40.1%)
|
-573.87B
est: -263.75B (-117.6%)
|
18.68B
est: -850.37B (+102.2%)
|
564.18B
est: -701.02B (+180.5%)
|
-773.78B
-799.00B – -760.25B
-10.4% YoY
|
-867.22B
-893.10B – -817.28B
-12.1% YoY
|
-990.27B
-1.00T – -980.31B
-14.2% YoY
|
-2.89T
-2.98T – -2.78T
-192.2% YoY
|
-3.95T
-4.07T – -3.79T
-36.3% YoY
|
| Net Income |
-986.29B
est: -771.37B (-27.9%)
|
-789.06B
est: -692.21B (-14.0%)
|
-573.18B
est: -278.68B (-105.7%)
|
19.89B
est: 14.88B (+33.7%)
|
565.69B
est: 597.79B (-5.4%)
|
579.45B
554.08B – 586.01B
-3.1% YoY
|
1.20T
942.73B – 1.47T
+108.0% YoY
|
967.09B
922.95B – 1.01T
-19.7% YoY
|
1.07T
1.02T – 1.11T
+10.6% YoY
|
1.26T
1.20T – 1.31T
+18.1% YoY
|
| SGA |
1.00T
est: 176.08B (+469.7%)
|
1.13T
est: 828.73B (+36.6%)
|
522.92B
est: 430.99B (+21.3%)
|
486.62B
est: 1.39T (-65.0%)
|
369.25B
est: 1.15T (-67.8%)
|
1.26T
1.24T – 1.31T
+10.4% YoY
|
1.42T
1.34T – 1.46T
+12.1% YoY
|
1.62T
1.60T – 1.63T
+14.2% YoY
|
4.73T
4.55T – 4.88T
+192.2% YoY
|
6.45T
6.20T – 6.65T
+36.3% YoY
|
| EPS |
-106.51
est: -61.29 (-73.8%)
|
-83.75
est: -54.44 (-53.8%)
|
-47.61
est: -20.98 (-126.9%)
|
1.58
est: 1.12 (+41.1%)
|
42.37
est: 45.00 (-5.8%)
|
42.70
41.50 – 43.90
-5.1% YoY
|
85.60
70.62 – 109.90
+100.5% YoY
|
72.80
69.14 – 75.75
-15.0% YoY
|
80.10
76.07 – 83.34
+10.0% YoY
|
94.60
89.84 – 98.43
+18.1% YoY
|
Historical Ratings (3M)
| Date | Rating | Overall | DCF | ROE | ROA | D/E | P/E | P/B |
|---|---|---|---|---|---|---|---|---|
| 2026-05-12 | A+ | 4/5 | 5/5 | 4/5 | 5/5 | 3/5 | 4/5 | 3/5 |
| 2026-05-11 | A+ | 4/5 | 5/5 | 4/5 | 5/5 | 3/5 | 4/5 | 3/5 |
| 2026-05-08 | A+ | 4/5 | 5/5 | 4/5 | 5/5 | 3/5 | 4/5 | 3/5 |
| 2026-05-07 | A+ | 4/5 | 5/5 | 4/5 | 5/5 | 3/5 | 4/5 | 3/5 |
| 2026-05-06 | A+ | 4/5 | 5/5 | 4/5 | 5/5 | 3/5 | 4/5 | 3/5 |
| 2026-05-05 | A+ | 4/5 | 5/5 | 4/5 | 5/5 | 3/5 | 4/5 | 3/5 |
| 2026-05-04 | A+ | 4/5 | 5/5 | 4/5 | 5/5 | 3/5 | 4/5 | 3/5 |
| 2026-04-30 | A+ | 4/5 | 5/5 | 4/5 | 5/5 | 3/5 | 4/5 | 3/5 |
| 2026-04-29 | A | 4/5 | 5/5 | 4/5 | 5/5 | 3/5 | 3/5 | 2/5 |
| 2026-04-28 | A | 4/5 | 5/5 | 4/5 | 5/5 | 3/5 | 3/5 | 2/5 |
| 2026-04-27 | A | 4/5 | 5/5 | 4/5 | 5/5 | 3/5 | 3/5 | 2/5 |
| 2026-04-24 | A | 4/5 | 5/5 | 4/5 | 5/5 | 3/5 | 3/5 | 2/5 |
| 2026-04-23 | A- | 4/5 | 5/5 | 4/5 | 5/5 | 2/5 | 3/5 | 2/5 |
| 2026-04-22 | A- | 4/5 | 5/5 | 4/5 | 5/5 | 2/5 | 3/5 | 2/5 |
| 2026-04-21 | A- | 4/5 | 5/5 | 4/5 | 5/5 | 2/5 | 3/5 | 2/5 |
| 2026-04-20 | A- | 4/5 | 5/5 | 4/5 | 5/5 | 2/5 | 3/5 | 2/5 |
| 2026-04-17 | A- | 4/5 | 5/5 | 4/5 | 5/5 | 2/5 | 3/5 | 2/5 |
| 2026-04-16 | A- | 4/5 | 5/5 | 4/5 | 5/5 | 2/5 | 3/5 | 2/5 |
Owner Earnings
Owner's Earnings (history)
From
To
Owner alignment
Owner's Earnings TTM
1.39T
OE per share TTM
104.74
Owner's Yield
34.82%
Maintenance CapEx ratio
7.12%
Maint CapEx / Avg PPE
10.1%
Ownership Overview
Ownership breakdown
Ownership breakdown not available.
At a glance
Institutional holders
—
Total invested
—
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)
No beneficial ownership filings recorded.
Institutional Activity (13F)
Institutional ownership trend
Institutional history not available.
Top institutional holders
Top holders not available.
ETF Ownership
Top ETFs holding this stock
Held by 22 ETFs in our universe
| # | ETF | Weight | Est. AUM exposure | TER |
|---|---|---|---|---|
| 1 | Dimensional - Emerging Markets ex China Core Equity ETF DEXC | 0.00% | 12.9K | 0.56% |
| 2 | Vanguard FTSE All-World ex-US Small-Cap ETF VSS | 0.00% | 385.5K | 0.06% |
| 3 | Dimensional - Emerging Markets Core Equity 2 ETF DFEM | 0.00% | 171.8K | 0.39% |
| 4 | Dimensional - Emerging Core Equity Market ETF DFAE | 0.00% | 98.4K | 0.29% |
| 5 | Vanguard ESG International Stock ETF VSGX | 0.00% | 63.5K | 0.10% |
| 6 | Vanguard FTSE Emerging Markets Shares ETF VGE.AX | 0.00% | 12.2K | 0.48% |
| 7 | Vanguard FTSE Emerging Markets All Cap Index ETF VEE.TO | 0.00% | 27.4K | 0.26% |
| 8 | Vanguard FTSE Emerging Markets ETF VWO | 0.00% | 1.35M | 0.06% |
| 9 | Dimensional - Emerging Markets Value ETF DFEV | 0.00% | 13.5K | 0.46% |
| 10 | Avantis Emerging Markets Equity ETF AVEM | 0.00% | 118.3K | 0.33% |
Insider Activity
Insider Activity — Latest Quarter
No insider activity available.
Insider buys vs sells (history)
Insider history not available.
Recent insider transactions
No recent insider transactions.
Executive team
Top executives
EBIT / Employee
518.54M
Shares Outstanding
13.35B
Executive compensation
Executive compensation (annual)
Executive compensation not available.
CEO compensation breakdown
No CEO compensation history available.
Proxy statements
Proxy statements (DEF 14A)
No proxy statements available for this company yet.
Recent SEC filings
Recent SEC filings
No SEC filings available for this company yet.
Executive team
| Name | Title | Compensation | Gender |
|---|---|---|---|
| Apriza Liz Tresia Dewi | Head of Human Resource Division | — | female |
| Dandy Santosa | Head of Main Branch Office | — | — |
| Emiliana Yuni | Act. Head of Operation Division | — | — |
| Eri Budiono | President Director | — | male |
| Hadi Panjikusuma | Head of Cirebon Branch Office | — | — |
| Hendra Prastyo Budi | Head of Semarang Branch | — | — |
| Kurnia Totok Sudjatmiko | Head of Compliance Division | — | — |
| Maritsen Darvita | Head of Marketing Division | — | — |
| Nenden Nurhaeni | Head of Bandung Branch Office | — | — |
| Sufen Triantio | Chief Financial Officer | — | female |
ESG Score History
No data available for this company.
Senate Trading Activity
No Senate trading activity found for this company.
House Trading Activity
No House trading activity found for this company.
Market share among peers
Peer comparison — filtered group (TTM)
Your opinion
Share your view on this stock and instantly see how the community has voted over the last 6 months.
Community Opinion for BBYB.JK
Short-term intention
Target Price Distribution
These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.
